Cumberland Trace
Homes for Sale in Largo, FL
All 566 homes for sale in Largo, FL · median $299,000 · 28 townhomes for sale in Largo · 81 homes for sale in 33773 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Cumberland Trace in Largo, FL has 1 home for sale. Homes listed or recently sold were built 2004 - 2005; 4 of 4 report an HOA (median $175/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 19 ft).
Last 30 days in Cumberland Trace: 2 closed sales (median $252,000). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Cumberland Trace is a compact, consistent pocket of 123 homes built across 2004 and 2005, with a median living area right around 1,271 square feet. That consistency is the story: when homes are this similar in age and size, price is driven less by square footage and more by condition, updates, and lot position. Two homes on paper look alike; the one that has been maintained and refreshed is the one that commands the premium.
The current posture leans toward buyers. With only 3 active listings against roughly 12 months of supply and just a thin trailing window of closings, the market here is slow-moving and selective. Sellers should expect to compete on condition and presentation rather than wait for a bidding war; buyers have room to be patient and specific about what they want.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cumberland Trace right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (3 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cumberland Trace is a small, uniform community in Largo where nearly every home came out of the mid-2000s at a similar size, so the real variation a buyer will notice is condition, not floor plan. No community amenities turned up in current MLS listings, which keeps the focus on the homes themselves.
Stellar MLS sales records identify 105 homes in Cumberland Trace that have changed hands since 2004, built between 2004 and 2005 (median 2004), with a median living area of about 1,271 sq ft and a typical 2-bedroom, 1.5-bath layout; 98% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 16 qualified sales in Cumberland Trace across 2024 - 2025 (10 in 2024, 6 in 2025), median $299,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Cumberland Trace. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cumberland Trace
Cumberland Trace
Cumberland Trace
Cumberland TracePhotos from Stellar MLS listings in Cumberland Trace; content deemed reliable but not guaranteed.
Who Cumberland Trace is best for.
Best for
- Buying a right-sized, single-family home around 1,271 square feet without paying for space you will not use
- Buyers who want a straightforward market where near-identical homes make value easy to judge
- Buying with patience and leverage while supply runs long and sellers compete on condition
Probably not for
- Needing a large floor plan or substantial square footage
- Wanting community amenities such as a pool, gym, or clubhouse
- Needing to buy quickly with many options, when only a handful of listings are active at a time
The market around Cumberland Trace
Cumberland Trace is too small for its own price trend, so here is the market around it.
In ZIP 33773, 70 homes are on the market and 21% are under contract — a steady corner of Largo.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
In ZIP 33773 (Largo), 48 homes closed in the last 12 months at a median of $362K ($280/sq ft), down 10.9% year over year, with a median 45 days on market. Right now 24 active and 5 pending listings put supply at about 6.0 months - a buyer's market. See the live ZIP 33773 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Cumberland Trace specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Cumberland Trace
Live MLS inventory for Cumberland Trace. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cumberland Trace listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.
Cumberland Trace on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Cumberland Trace listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cumberland Trace address.
Shop the zone: Homes zoned for Pinellas Park High-Pn High School
The Cumberland Trace buying strategy.
If we were buying in Cumberland Trace today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cumberland Trace.
A uniform subdivision where condition is the lever
With a build range of just 2004 to 2005 and a median living area near 1,271 square feet, Cumberland Trace offers little structural spread. That makes it easy to compare listings and hard to overpay by accident, but it also means the median price here reflects condition-driven differences more than size. Expect a wide spread between a dated interior and an updated one, even when the homes are otherwise near-identical.
A homestead share of about 68 percent points to a community where most homes are owner-occupied rather than turned over frequently, which is part of why inventory stays thin. No amenities were identified from current listings, so the value proposition is the home and the Largo location in Pinellas County, not shared facilities.
The location and the amenities are priced into every listing in Cumberland Trace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin and this uniform, pricing comes down to reading condition against a small set of comparables, and that is exactly where local judgment earns its keep. We will tell a seller what actually moves the needle on a mid-2000s home this size, and we will tell a buyer when a listing is priced for its updates versus priced on hope.
Cumberland Trace in 15 seconds.
Tools for a Cumberland Trace buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cumberland Trace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cumberland Trace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cumberland Trace home worth?
Get a no-obligation home value based on real comparable sales in Cumberland Trace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Largo →
Recently off market in Cumberland Trace
Homes in Cumberland Trace that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 13157 Thoroughbred Loop · off market
- 13158 Thoroughbred Loop · off market
| Location | Largo, Pinellas County, FL · ZIP 33773 |
|---|---|
| Homes in the community | 123 (FL DOR 2025 assessment roll) |
| Years built | 2004–2005 (median 2004) |
| Typical living area | 1,271 sq ft (median) |
| Amenities listed by sellers | Pool, Deed Restrictions, Fitness Center, Gated Community - No Guard |
| For sale right now | 1 active, 0 pending · median asking $259,900 · 4.0 months of supply |
| Owner-occupied (homestead) share | 68% |
| Zoned public schools | Pinellas County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cumberland Trace key facts,” movewithmomentum.com/neighborhoods/cumberland-trace, data as of November 13, 2026.
Housing distress & ownership in Cumberland Trace, Largo
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Cumberland Trace Right Now (1)
All 1 active and pending Cumberland Trace listings with a detail page, newest first, refreshed twice a day from the MLS.
- 8013 Boone Drive · $259,900 · 2 bd / 1.5 ba · listed Aug 30, 2026 · listed by Future Home Realty Inc
Recently sold in Cumberland Trace
- 13157 Thoroughbred Loop · sold $250,000
- 13158 Thoroughbred Loop · sold $254,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Largo home searches
- All homes for sale in Largo, FL
- Homes for sale in Pinellas County, FL
- Gated communities in Largo
- Largo home values: what is my house worth?
Largo guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Thoroughbred Loop (55 homes on record)
- Thoroughbred Loop (13 homes on record)
What it really costs to own in Cumberland Trace
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $175/month across 5 MLS listings (most billed monthly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2004 across 4 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Cumberland Trace
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cumberland Trace
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cumberland Trace will answer, and the answer is published on this page for the next buyer.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
16% of homes for sale in ZIP 33773 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-13).
Frequently Asked Questions
Is Cumberland Trace a buyer's or seller's market right now?
How many homes are in Cumberland Trace?
What share of Cumberland Trace is owner-occupied?
When were the homes in Cumberland Trace built?
What schools serve Cumberland Trace?
Who is the best real estate agent for Cumberland Trace?
How do I find a top Largo real estate agent who knows Cumberland Trace?
Can Momentum Realty connect me with an agent for Cumberland Trace?
Where is Cumberland Trace, and what county is it in?
Should you buy in Cumberland Trace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2004 (62 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how Cumberland Trace fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cumberland Trace
- Home values · What homes in Cumberland Trace actually sell for